SMSF Loan Refinancing — The Full Service
This is the service smsfrefinance.com.au was built for. If your SMSF holds a property financed through a Limited Recourse Borrowing Arrangement and you want to improve the loan terms, reduce your interest rate, or change lenders — this is where we start.
Why SMSF Trustees Come to Us
Your current loan may be costing your fund:
• An interest rate set 3–5 years ago, when rates were higher
• Terms with a lender who has since exited the SMSF market
• No offset account or flexible repayment options
• A related-party loan at the ATO safe harbour rate (currently 9.35% for 2024–25)
• A higher LVR tier than your property’s current value justifies
What a successful refinance delivers:
• A lower interest rate — keeping more money inside your fund
• Better loan features suited to your fund’s cash flow needs
• A lender with a proven SMSF track record and stable policy
• Correct documentation — protecting you in the event of an audit
• A smooth settlement with the bare trust structure fully intact
General information only. Interest rates cited are indicative and subject to change. Consult your SMSF adviser for advice specific to your fund.
Our SMSF Refinance Process — Step by Step
- Free Assessment — We review your existing loan: rate, term, LVR, and fund liquidity. No cost, no obligation. We tell you clearly whether refinancing is likely to benefit your fund.
- Document Collection — We compile what lenders need: SMSF trust deed, bare trust deed, financial statements, bank statements, rental income evidence, and trustee ID documents.
- Lender Comparison — We search our panel of 10+ specialist SMSF lenders for products that match your property type, LVR, and fund structure. We shortlist — then present options with honest comparisons.
- Application Lodgement — We prepare your application and conduct a compliance pre-check before submitting anything.
- Credit Assessment — The lender reviews your fund’s financial position, orders a valuation, and conducts their own SMSF compliance checks. We stay in active contact to ensure no delays.
- Settlement — The new lender pays out the existing SMSF loan. The bare trust structure and title remain intact throughout. We confirm all loan documents align with your trust deed before signing off.
SMSF Refinance Eligibility — At A Glance
| Eligibility Factor | Typical Lender Requirement |
|---|---|
| LVR — Commercial property | Maximum 70–80% |
| Fund liquidity post-settlement | Approximately 5% of loan amount or total SMSF debts for most lenders; some lenders have no specific liquidity requirement |
| Minimum SMSF fund balance | Generally $200,000+ total fund assets; some lenders do not impose a minimum |
| Loan history | Clean repayment record on existing SMSF loan |
| Property type | Commercial; sole purpose test must be met |
| Bare trust status | Original bare trust must remain intact |
| SMSF compliance status | Fund must be ATO-compliant at time of application |
Lender criteria change. These benchmarks are indicative. We confirm current requirements during assessment.
